Re: DCU Pending

@book1773 and OP,

As I said before, and a cursory google search will show, DCU is extremely disorganized. There are many threads where a local has applied online and been outright denied, then they enter a branch and sign right up.

I applied for membership several months ago for the free FICO score, but after providing almost a dozen documents to verify my identity, it was still a no go. There are literally dozens of threads out there with posters having the exact same incident. Emailing the CEO is also a waste of time.

Keep in mind that:

1.) Incident

2.) Pattern

3.) Problem

For the record, I have never been late on any account, ever, and my FICO is in the low 800's with over $300,000 in credit. Consider yourself lucky to be denied membership with DCU.

Re: DCU Pending

OwNt wrote:

DCU is one of the most disorganized credit unions out there. Some people get approved for accounts with no verification whatsoever, and others have provided everything but a DNA sample and still couldn't get their identity verified.

Re: DCU Pending

They say they cannot comfirm my identity. I apped for a checking account, savings account, then a credit card. They asked me for my driver's license and I sent them that, as well as my social security card, a utility bill and my most recent paystub because I didn't want them to ask every couple of days for each item and thought I could expedite my app faster. I sent a paystub for the credit card app and was approved for $7500 provided that my membership was approved. I authorized them to fund $100 to both accounts through my current checking account. They declined my membership because they were "unable to adequately verify the information provided". I called them to see what that meant exactly and the girl I talked to really didn't seem to know but did eventually say that it had something to do with my ID. Telling her that my state issued driver's license with correct address, picture, signature and valid expiration date should have been good enough without sending in my utility bill and paystub which both reflect my name and address or my social security card which has my signature. She seemed baffled so I asked to talk to her supervisor and she transferred me. He was not helpful either. He said that it wasn't really my ID but the overall collection of data they gathered. So, I again mention how I sent them my driver's license, social security card, utility bill and paystub, all reflecting that I am me and asked what else I could send that would help, such as a copy of my passport and he said that nothing else could be done. The only mention of my credit reports was me saying the my credit reports have my correct address that they could use to verify the address I applied with. So I never got an actual reason for not being approved. I would have been fine I were given a real reason and not one that no one knows how to explain. What ticks me off is that the credit card was approved and now I can' get it. I don't like near a branch so I guess I have to give it up.

Re: DCU Pending

kimmiller112 wrote:

They say they cannot comfirm my identity. I apped for a checking account, savings account, then a credit card. They asked me for my driver's license and I sent them that, as well as my social security card, a utility bill and my most recent paystub because I didn't want them to ask every couple of days for each item and thought I could expedite my app faster. I sent a paystub for the credit card app and was approved for $7500 provided that my membership was approved. I authorized them to fund $100 to both accounts through my current checking account. They declined my membership because they were "unable to adequately verify the information provided". I called them to see what that meant exactly and the girl I talked to really didn't seem to know but did eventually say that it had something to do with my ID. Telling her that my state issued driver's license with correct address, picture, signature and valid expiration date should have been good enough without sending in my utility bill and paystub which both reflect my name and address or my social security card which has my signature. She seemed baffled so I asked to talk to her supervisor and she transferred me. He was not helpful either. He said that it wasn't really my ID but the overall collection of data they gathered. So, I again mention how I sent them my driver's license, social security card, utility bill and paystub, all reflecting that I am me and asked what else I could send that would help, such as a copy of my passport and he said that nothing else could be done. The only mention of my credit reports was me saying the my credit reports have my correct address that they could use to verify the address I applied with. So I never got an actual reason for not being approved. I would have been fine I were given a real reason and not one that no one knows how to explain. What ticks me off is that the credit card was approved and now I can' get it. I don't like near a branch so I guess I have to give it up.

Damn, I hope they dont do that BS with me sorry to hear that bro.

Rebuilding...been out of the game for a minute. Now, after suffering I'm back with greater wisdom. Scores: Currently @ around 6 teens to 20's, across all three EQ,TU, EX

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IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.